Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › FIRST NATIONAL BANK OF OMAHA
FIRST NATIONAL BANK OF OMAHA
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
14
-6.7% vs 2024Originations
$2.3M
Loans x average loanAverage loan
$162,857
Average interest rate
7.13%
Denial rate
44%
Home only share
7%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 52 | 14 | $2.3M | $162,857 | 7.13% | 44% | 7% |
| 2024 | 54 | 15 | $2.9M | $195,000 | 7.27% | 41% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| NE | 6 | $690,000 | $115,000 | 7.02% | 50% | 0% |
| WY | 3 | $605,000 | $201,667 | 7.78% | 0% | 33% |
| KS | 2 | $280,000 | $140,000 | 7.06% | 0% | 0% |
| CO | 1 | $225,000 | $225,000 | 6.99% | 70% | 0% |
| SD | 1 | $275,000 | $275,000 | 6.88% | 40% | 0% |
| WI | 1 | $205,000 | $205,000 | 6.38% | 0% | 0% |
Data source: Home Mortgage Disclosure Act (HMDA). Public annual data from the FFIEC and CFPB, loans reported with a manufactured home construction method. Informational only, not a recommendation of any lender.